Meet Our Team

Raymond T. Martin, President

Raymond T. Martin is founder and president of Martin & Associates Insurance and he is also an investment adviser representative of Martin Wealth Management. Ray holds a Bachelor’s degree in business management from Pepperdine University (1990) and is the author of the best-selling book “The Nuts and Bolts of Original Medicare, Medicare Supplement Insurance and Medicare Advantage.”

An award-winning manager and entrepreneur with more than 26 years of experience, Ray started his career at The Prudential Insurance Company, where he worked as a field underwriter in the small group division. With a background in business management, it wasn’t long before he ventured out on his own and became a successful insurance agency owner specializing in Medicare, long-term care and life insurance.

In 2008, when Ray founded Martin Wealth Management, LLC, he could see the need for sound financial education needed by the retirement community. MWM focuses on coaching clients instead of selling investment products. As a result, clients learn how to effectively and prudently invest and manage their money instead of following the industry lies that foster gambling and speculating.

David L. Hart, Financial Advisor and Insurance Agent

David is originally from Hull, England, where he was a financial advisor for twelve years before he moved to the United States.

For over ten years now David has been a financial advisor in the U.S and continues helping his clients “retire and stay retired.”

His primary focus is getting a complete picture. David works hard to understand his client’s goals and objectives, and then makes sure that they are on track to meet those objectives.

He has been married for over 25 years and has three children. In his spare time David enjoys being a volunteer soccer coach for local players, and has been known to play a few games himself.

Craig Kennedy, Financial Advisor and Insurance Agent

Craig Kennedy Craig was born and raised in Anaheim, California. He played football at the University of Nevada and graduated with a B.S. Degree in Business / Finance.

With over 15 years experience as a Financial Advisor, Craig is focused on helping clients with their financial and retirement planning needs. His areas of expertise include Financial Planning, Investment Allocation, Estate Planning, Insurance and Medicare. Craig is happily married to his wife Ellie and has 2 growing boys; Cole, who is 10-years-old and Cameron, who is 8. The Kennedy family (and their fun loving dogs Monty and Milo) have lived in Huntington Beach for the past 12 years and they are active in just about everything, from the ocean to the mountains.

Stan Salah, Financial Advisor and Insurance Agent

Stan’s career in financial services began with Transamerica Financial Advisors. He has worked as a Financial Advisor and Investor Coach helping clients navigate a successful retirement.

Stan is committed to assisting our clients in every way possible which includes Financial Planning, Investment Coaching, Estate Planning, and Insurance.

His community involvement includes being appointed as a Commissioner on the Library, Culture, and Arts Commission for the City of Morgan Hill, HOA Board member, and he is currently on the Board of Directors for the South Valley Symphony.

Stan has been married to his wife Mayumi for 24 years, and has two sons, David and Royce. They have lived in the South Bay Area for 15 years. Enjoy hiking, skiing, music, and the arts.

Lori Verst, Service Specialist

Lori has been with Martin & Associates since 2008.  She came with a wide range of experience in customer service and administrative duties. Lori graduated from St. Cloud Business College in Minnesota.  Lori and her family relocated from Southern California to Ohio to be closer to family and raise her children.  Lori handles our client Medicare and financial planning customer service.  Lori has been married for 26 years and has two boys and two dogs. In her spare-time she enjoys being with her family, volunteering at church and teaching aerobics.

Elliott Martin, Insurance Agent

Elliott Martin was born and raised in Irvine, California. He played baseball at Valparaiso University in Northwest Indiana. During his time there, the Crusader’s made two NCAA Div I Playoff appearances. In 2014 he graduated with a B.S. Degree in Business with an emphasis in Management.

While at college, Elliott also studied and earned his California Life and Health Insurance License. After graduating, he worked at Bankers Life and Western Mutual. In January of 2016, Elliott joined Martin & Associates and he has been working to build his client base, helping them understand their Medicare options and showing them different ways they can save money. He plans on expanding his knowledge of retirement planning so that he can continue to provide valuable services and information to his clients.

Elliott is a resident of Costa Mesa and in his spare time, he enjoys studying finance and economic topics, traveling to National Parks with his girlfriend, Kaycee, and thoroughly enjoys a breakfast burrito and coffee. He also plays on a men’s slow pitch softball team.

Mohan Martin, Insurance Agent

Keith McCarthy, Insurance Agent

Keith has a history of activism in both for-profit and not-for-profit ventures.  From longshoreman in Detroit to business owner in Los Angeles, from delivering newspapers as a boy to elected Mayor of Downey, California; and from creating art with ceramic and metal to teaching character education throughout Southern California – Keith is striving to make the world a better place, whatever the circumstances.

Originally from Ohio, Keith attended elementary and high school and Wayne State University in Detroit, Michigan; moving to California in 1976. Married in 1982, Keith and his delightful wife Katrin live in Pasadena, California. They have raised six children, and are now busy spoiling their grandchildren.